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I have incorporated my response to this challenge into my A to Z theme for 2013.
You can see my response over here on my Tropical Territory blog.
I have incorporated my response to this challenge into my A to Z theme for 2013.
You can see my response over here on my Tropical Territory blog.
I am participating in the A to Z 2012 blog challenge throughout April. Today's post is both historical and genealogical, as in Australia and New Zealand we celebrate 25 April as Anzac Day, commemorating the landing at Gallipoli and all the Australian and New Zealand military contributions since then. Tying in the with Trans-Tasman Anzac Day challenge I'll also talk about the effect of one soldier's death.
On a freezing cold morning in late November 1992, we set forth from Amiens on a pilgrimage to the Australian War Memorial at Villers-Bretonneux. Despite the national significance of the site to both Australia and France, our purpose that day was personal. We'd come to see the name of my grandfather's cousin, James Thomas Paterson, on the Memorial's large wall, among the names of those whose bodies were never found.
So dense was the fog that we drove straight past this immense Memorial without seeing it and had to turn back. Perhaps it was the fog and the crunching of ice underfoot as we walked the cemetery that brought me undone. I sobbed for those men lost so far from home, who had fought in conditions such as these, to which mostly they were unaccustomed, fighting for duty and a cause they believed in, for a people in a foreign land. As we wandered among the immaculately kept graves, the French gardeners worked respectfully to ensure the final resting place of the soldiers buried in the cemetery section was kept immaculate.
Slowly we approached the Memorial at the back of the site, and its vast list of engraved names: the one you see in Anzac Day TV broadcasts. There are 10,765 names on that wall[i]; 10,765 Australian Diggers fallen in France but with no known grave; 10,765 men whose names are engraved in the hearts and minds of families who would never be able to visit their grave. Imagine the sheer loss behind those numbers if you can.
Let me tell you a story behind just one of those names. James Thomas Paterson was the grandson of Bavarian-born George Mathias Kunkel and his wife Mary O'Brien. James's parents were Archibald and Catherine Paterson. When James was a lad, his family moved from Stanthorpe west to Pickenjennie near Wallumbilla where his father purchased land and worked on the railway lines by day. By the time of the big droughts in the 1910s, James was working as a farmer. Times were tough and that may have contributed in some way to his decision to join the war effort in World War I.
Jim had already served with the Roma Commonwealth Light Horse (a militia force) and there's no doubt he felt a strong sense of duty to join up, as he made his wife-to-be promise before he married her that she would not stop him joining up. The recruiting train steamed into Wallumbilla en route to Roma on 17 August 1915, and the local men were encouraged to enlist[ii] through meetings and appeals for troops. Jim was not among those who signed up immediately but he left Wallumbilla by train on 27 August to enlist. Days later the small town held its Patriotic Day celebrations, attended by 500 people and raising £140 for the war effort. Paradoxically the Dalby recruiting officer complained that "it was a serious thing that the sinews of the country were going away in such shoals"[iii]when Brisbane men were not pulling their weight.
James married Lizzie Maud Cahill on 1 November 1915, shortly before he was to leave for the front. The Toowoomba Chronicle[iv] reported on their wedding in detail and Jim's grandson has provided a copy of the wedding photo to the AWM. Oral history reports that while Jim had some money set aside, Lizzie insisted they splash out a bit.
Initially posted to the 25th Battalion, Jim was absorbed into the 49th on arrival in Egypt and was transferred to the Western Front, via Marseilles, in June 1916. Jim copped a Blighty, a wounded elbow, at the Battle of Mouquet Farm near Thiepval. Returning in December 1916, he was probably in time[v] to celebrate Christmas behind the lines with his battalion including snowball fights, building snow kangaroos in lieu of snowmen, and partaking of the Australian Comforts Fund'sgood tucker and treats.
It was a shocking winter in northern France in 1916/17 with arctic conditions and thunderstorms. In April the allied forces attacked the German front line and during this battle James Paterson and C Company were attached to the 50th Battalion. During the assault of 5 April 1917, half of C Company were killed or injured, including James Paterson. As Lizzie followed the news at home over that Easter weekend, she would have had no inkling that her husband had been killed. There is no record on the file of when she was advised of his death but it wasn't until late May that James's death was confirmed. Lizzie's nomination for Jim's Roll of Honour entry says simply "Man's Duty".
The couple had a daughter, born in late July 1916. Jim had insisted that she be given a good Aussie nickname, and so Elizabeth Maud (Mary) came to be called Cooee as a young girl. Although Jim never met his daughter his family believes he did see her photograph. Imagine the tragedy of a man never seeing his child before he dies, and his child only knowing her father through his photograph and her mother's stories.
Lizzie was a petite redhead in appearance but she was strong and determined, supporting her daughter through her hard work as a station cook. She continued to write to the Army seeking further information and any of her husband's effects for their daughter. How wonderful that although this man died in the service of his country, Jim's family line continues through his daughter (still alive) and her family.
Of course a death like this also affects the whole family. We know nothing of how Jim's parents took the news of their son's death but it would have been a great shock and his mother died of cancer six months later. From oral history we know that his grandmother Mary Kunkel was not told of her grandson's death, protecting her from further sadness as her husband had died only a few months earlier. Jim's brother Dan Paterson joined up soon after Jim's death. Dan's own experience and that of his brother meant that he hated war, and eventually burned his own Light Horse uniform, plumed hat and all.
Towns throughout western Queensland felt the losses of their men keenly. Every town and village had contributed men to the war effort and most had lost one or many. Each town commemorated them in different ways. Roma's memorial was different. The town planted rows of bottle trees, one for each soldier lost in the war. James Thomas Paterson was one of those men whose sacrifice was remembered in this way by the community and by his family.
[i] Various numbers are cited in different sources. I have used the number from the Commonwealth War Graves Commission.
[ii] The Brisbane Courier of 23 August 1915, reported that as of that date 109 fit men had been recruited from this recruiting train.
[iii] The Brisbane Courier, 2 September 1915, page 7.
[iv] The Toowoomba Chronicle, 2 November 1915, page 6
[v] While he left for France on 4 December 1916, the records show him rejoining the unit on 6 January 1917, hence the uncertainty.
This is Week 16 in my Beyond the Internet series in which I explore the sources of information beyond our computer screens. In honour of Anzac Day coming up this week, the topic is War service records. Once again this week, the topic will be a cross-over between online and offline resources. Please do join in with this series and add your thoughts.
Online with World War I
We have been very spoiled with Australian World War I service records being digitised and made available online through the National Archives of Australia (NAA). All we have to do is put a name in the search bar, limit it to a period (1914-1919), and Bob's your uncle, up come the list of names with a digitised symbol on the right hand side for you to click on.
Might I make a suggestion if you haven't already tried this? As well as looking at your own ancestor's records, have a look at any of his siblings/cousins etc or perhaps anyone with the same unusual name (obviously Smith just isn't going to work). My grandfather's service record includes pages from two of his brothers' service records. Only looking at one record might not give the full story.
Then of course, there are the other options for that period, available online through the Australian War Memorial (AWM): Red Cross, Roll of Honour, and Honours and Awards through the biographical database. Also don't forget to search the collections which might pick up additional information eg my husband's great uncle is mentioned in the write-up of another man's medals.
But what of those records beyond the internet which is after all what we're supposed to be looking at?
Boer War Service
There are search facilities with AWM and the NAA but my understanding is that many of these records are available through the state archives, or even libraries. If you have a relative who fought in the Boer War, you might want to explore these options. This is a useful information sheet.
Post World War I Service Records
There are other records which are still only available by ordering from the Department of Veterans Affairs (DVA). They are the World War II service records, Korea, Vietnam, and the Gulf. Let's assume you want to find out which members of your family served in World War II. You again enter the family name, plus a first name if necessary. It then presents you with the options available and you can choose the correct person. If you're just using it to fill out information on your families you may want to stop there because you will have acquired some useful extra detail.
I find this search useful to determine a preliminary birth date, while it's not yet available through BDM searches, even by year. It may also tell you (with varying reliability) where they were probably living when they joined up, their place of birth, and possibly their spouse's name as next of kin. Not bad for a quick haul. Of course with WWII we're also more likely to pick up female family members.
However if it's your direct ancestor, it's still worth your while to obtain the full service history from DVA by providing the details (or a printout) found from your search. Why would you bother? Well just think about what you find in your World War I records, and it's easy to see the benefits. Combine it with other sources like war diaries, photographs and oral histories and you can build a comprehensive picture which tells of your relative's experience.
For last year's Anzac Day post I told the story of one of my family members, based on a combination of his Korean service records and the digitised war diaries. You can read it here to see just how you can build a picture from these record sets, probably more so where the person was killed in action.
Catalogue items
It's true that not all of us can manage to get to see the original records in the archives, but with online catalogues it makes it possible to draw up a list that you might want to look at if/when you're lucky enough to be on site. If it's a very specific item, you may just be able to order it directly, for a fee (still cheaper than airfare+accommodation).
I've already mentioned the AWM collections search but also have a look at what NAA has available through this link. Of course Ancestry and Findmypast also have overseas service information which you may want to explore.
I hope this post has provided some strategies for building up your relative's military service history to incorporate into your family story.
William Rudolph Kunkel, known to his family as Robert Kunkel, was the son of William Thomas (Bill) Kunkel and his wife, Rosetta (Hilda) Kunkel nee Brechbuhl, and great-grandson of George Mathias and Mary Kunkel, the founding couple of the Australian Kunkel family. Bill and Hilda's other child was Marguerite Elizabeth (Jill) Kunkel. The family moved around as Bill's job with the Queensland Government Railway (QGR) took him around the state, ultimately settling at Howard, near Maryborough. Anyone wishing to know more about this family should contact me via comment on this post.
William Rudolph Kunkel was born in Brisbane on 14 November 1930 and as a young lad of 16 went to work with Queensland Rail in early 1947 as a nipper in the Maryborough District. Although his railway appointment was confirmed in 1948 he left the railway soon after, and on 18 December 1950 signed up with the Australian Regular Army for a six year period. His service record tells us that he only had "reasonable primary" education. He was a labourer, 5 ft 9.5 ins (176.5cms) with brown hair and brown eyes. On 7 April 1951 he married his wife Innis. The couple had no children. Robert went to Korea with the 1st Battalion, departing on the Devonshire on 3 March 1952, with a few days in Kure, Japan en route (as well as visiting on a later leave).
There is a photo on a website called Memories of Korea by George Hutchinson, the caption for which says "the other lad is Pat Kunkel (Qld)". I had previously thought this might be Robert, misnamed, but now believe it to be his cousin, Gregory Patrick Kunkel, now listed on the Korean nominal roll. I have tried to contact the author of the website in the past without success in the hope of getting any extra insights or further information about it and to confirm it was Gregory Patrick (usually known as Greg to his family).
The Australian War Memorial website lists William Rudolph Kunkel on the Australian Roll of Honour as wounded and missing in action, presumed dead, on 16 November 1952. The roll includes his official service photograph. Robert's service record indicates that his status was missing in action until 12 February 1953 when his status was updated to "now reported missing in action, wounded and believed prisoner of war". His wife became his next of kin after their marriage, and her younger sister remembered the day the message came to say he was missing. Cousin Greg Kunkel also tried to find out more about what happened to Robert while he too was serving in Korea. On Robert's file is a statement from Greg that an RC Chaplain, Captain Shine,[i] had heard a Chinese radio announcement mentioning Robert's name but investigation by the Army indicated this had been incorrect. Nonetheless his parents continued to be convinced that a propaganda broadcast had been heard on 18 November 1952 which mentioned their son's name and his Rockhampton address. It appears that Bill and Hilda had managed to talk to some of Robert's colleagues on their return from Korea. Their advice was that he had been badly wounded above both knees by a burst of machine gun fire and was last seen "surrounded by Mongolians and being well and truly tortured". It seems hard to reconcile this with the findings of the Court of Inquiry which investigated the incident and strange that servicemen would relay this level of detail to their colleague's parents. It's apparent that Hilda was desperately trying to get the Army to focus on her missing son and help her to find out more about his fate.
The official War Diaries for 1 Battalion RAR are now digitised and available online and are invaluable in learning more about a battle or event. Having encountered enemy patrols on the night of 15 November 1952, two fighting patrols were sent out on the night of 16 November. The diary states that in addition there was a nightly standing patrol at the position code-named Calgary which "had a sharp clash with a strong enemy patrol" that night. Casualties from the action amounted to: Own tps (troops) 3 KIA, 1 MIA (wounded and believed PW) and 4 WIA. Enemy: 5 KIA counted. A fighting patrol from B Company was sent out at 0130 on 17 November to Calgary and was subjected to "intense enemy arty (artillery) and mor (mortar) fire" and it was assumed that "the enemy action was designed to prevent reinforcements moving to Calgary while the enemy was making a strong bid to take that post and capture a PW (my note-Pte Kunkel)". At first light, and under heavy mist, the bodies of the three Australian men killed in the "sharp clash" were recovered but "no sign was found of Pte Kunkel, the missing member".[ii] Another patrol was similarly unsuccessful. Amidst the serious military reports over the next few days, a glimpse of the person behind the reports is seen. Deep penetration bombing of a light machine gun placement missed its target but landed in a Chinese cooking fire from which the Australian troops took pleasure, thinking of the "fried rice added to the enemy's morning menu": a flash of Aussie humour.
MIA and POW must be among the hardest of war casualties for families to come to terms with – there would always be the glimmer of hope that the loved one might return, or more learned about his fate. Robert's Army file includes many letters from his mother to the authorities and his parents plainly left no stone unturned trying to find out more about their son, including travelling to Melbourne to meet Army officials, and appealing to the Red Cross, United Nations Forces, and their parliamentary representatives. Similarly Robert's wife wrote many letters trying to find out more of her husband's fate. During Robert's parents' visit to Melbourne in September 1953 they were in a "very distressed state of mind believing their son to be alive and a prisoner of war".[iii] They were possibly also partly frustrated that all official correspondence was sent to Robert's wife as next of kin. The political situation at the time was difficult and letters to POWs were not being accepted by the North Korean authorities but despite reassurance from various officials the family continued to feel that their case was not being given due consideration.
My father remembered his cousin Robert going to Korea, said to be a gunner and radio operator, and that he never came back. Dad said his Uncle Bill never recovered from the loss of his son and from not knowing what happened to him. Dad also mentioned that over the years Army officers kept coming back to interview Bill & Hilda. Now my father was usually a cynic so perhaps he overstated the case, but if this is correct, you would have to ask why they harboured questions. Did they think he had defected voluntarily? Perhaps an inadvertent comment by Robert's mother Hilda in a 1954 letter seeking help had triggered this question. She had said that "no personal belongings returned (WHY), his best friends were Chinese right from 16 months of age" and there is a question mark against this comment by the official reading it, perhaps because it seems such a non sequitur.
The Army lists his effects including a framed photograph, crucifix, wallet, smoker's pipe, ring and a receipt for registered letter. Also among his effects was a tin containing film negatives and 87 photographs as well as 120 films and a Welmy camera –he was obviously something of a photographer and perhaps he'd bought the camera and the film while on a recent leave in Japan or in transit to Korea. In mid-1953 his belongings were still being held in Japan pending news of his fate and in 1954 had not been received by his wife. It's unknown whether his family ever received his effects but his photographs would have been fascinating.
The Army file for William Rudolph (Robert) Kunkel is comprehensive, detailing the Court of Inquiry which commenced "in the field, Korea" on 12 January 1953 to "investigate the circumstances appertaining to the disappearance of 1/1641 Pte Kunkel W R on the night of 16 November 1952". There were 10 points to investigate in relation to the event including why the wounded soldier was not brought back to the base, what efforts had been made to retrieve him subsequently, and whether there was any negligence involved. The results of this inquiry resulted in the revised description of his status as wounded, believed taken prisoner.
It's likely that the terms of reference explain why some parties were interviewed and others weren't. Certainly some were away from the area but I found it strange that some people weren't interviewed by the court, although of course there was a war going on at the same time. The patrol leader, Corporal W Crotty was interviewed and one other member of the patrol, two others were away, one on a course (B R Mau[iv]) and one in hospital (S Brent), and three of the patrol were killed in this action (Reisener, Head, Castle). A Private M Pollard had been replaced on the patrol by Robert Kunkel because the latter wanted to stick with Crotty as they usually did patrols together and the changeover was approved by the Sgt Kavanagh – a fatal and fateful decision by Robert. Pte Kunkel was wounded in a grenade attack around 22:30 and was heard to call out "I'm hit, Mau, I'm hit…." and later moaning and "leave me alone you bastards, let me die". Both Pte B R Mau and Cpl Crotty were close friends[v] of Kunkel's and Crotty recognised his voice when he called out. A report by Sgt E J McNulty of 5 Platoon also heard a similar statement. Fearful this was a Chinese trick, they were not drawn out of cover, but a Pte Westcott, also in that patrol, recognised Kunkel's voice as he knew him well. When searching Calgary they found the deceased members of the patrol but could not find Robert Kunkel although there were signs of track marks from bodies being dragged away. While the military-speak is considered and technical, there is certainly enough detail to distress any close family member or friend. We can only hope that Robert died quickly of his wounds before the enemy interrogation as assumed by the Court of Inquiry. After the cessation of the war, interviews with returned Australian POWs shed no light on the fate of Pte W R Kunkel.
In February 1955, over two years after he was wounded, the Army wrote to Robert's wife to say officially he was missing, presumed deceased, on or after 16 November 1952. His name is inscribed on the Korean War Honour Board at the Australian War Memorial. In a quirk of fate, a William Marion Kunkel of the USA Army was also MIA, presumed dead in Korea. Meanwhile determined veterans and their relations are working tirelessly to try to identify any remains recovered from Korea and to raise the profile of MIA cases with the Australian government.
Robert's memory, and that of 43 others Missing in Action in Korea, deserves to live on and it is for this reason that I've written this commorative post. Lest we forget.
[i] Also see http://www.trove.nla.gov.au/ndp/del/article/50581814?searchTerm=chaplain shine korea&searchLimits=
[ii] War Diary, 1st Battalion, Royal Australian Regiment, 16 and 17 November 1952 on http://www.awm.gov.au
[iii] Service Record Pte W R Kunkel.
[iv] Brian Ransfield Mau was from Hamilton, Waikato, New Zealand.
[v] Per Corporal Crotty during the Court of Inquiry.


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Blood Sport
From the mountain-running circuit in the early 2000s to ultrarunning the next decade, Anita Ortiz has dominated. But how does the school-teaching, 47-year-old mother of four do it?
Photo by David Clifford
It was not just that Tim Twietmeyer did not expect Anita Ortiz to be leading the 2009 Western States 100-Mile Endurance Run. That would have been forgivable. It was that Twietmeyer had never even heard of Anita Ortiz until she broke away.
He will be the first to admit he does not follow the sport religiously, despite winning Western States five times and finishing it 25 times. But he is still heavily involved with the event, and knows the contenders every year. Somehow, Ortiz had eluded his radar.
Twietmeyer saw Ortiz in person three times during the race, and each time his awe—and bewilderment—grew. Finally, someone relayed a short bio on the tiny blonde with the intense stare: First-time 100-miler from the alpine desert of Eagle, Colorado. Forty-five years old. Ex-mountain runner.
Twietmeyer knows enough to expect surprises at Western States, but the 2009 women's field was stacked, and included Krissy Moehl, who had run the race in 2005 as part of the Grand Slam of Ultrarunning and paced it numerous times, three-time runner-up Bev Anderson-Abbs and defending champion, Nikki Kimball (three-time winner). Ortiz didn't care. She dropped them all.
"She made it look, I don't want to say easy, but she was pulling away from the field," Twietmeyer recalls. "We were wondering if she could keep it up."
Ortiz won by more than an hour, running the fifth-fastest women's time ever: 18:24:17. And she did it despite getting lost twice in two hours with two different pacers, adding an estimated 25 to 30 minutes to her odyssey. Moehl finished second, Anderson-Abbs took third and, ending her reign at Western States, Kimball settled for fourth. A number of people called Ortiz's win the top performance of 2009, including Kami Semick, who was named Runner of the Year by UltraRunning magazine that year. "You don't expect a first-timer to just roll in and dominate," Twietmeyer said.


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Dogs allowedSee all facilities…
The Pickering people have it sorted. The Vale of Pickering Caravan Park is AA North East Campsite of the Year 2013, is crammed with trees, shrubs and flowerbeds, has views over the North Yorkshire countryside, and washrooms you'd want to find anywhere. The heated loos and showers are immaculate, there are private wash cubicles, an electric point for those all-important hairdryers and hair straighteners, and even a ladies' make-up area. Best of all, there are ladies' and gents' baths – providing a long hot soak after a long hard day relaxing and sightseeing.
There are first-class facilities on site too, including a well-stocked licensed shop, a launderette, caravan spares and gas cylinders, a play area and a football pitch for the kids. The camping field has spacious tent pitches in the camping field, or roll your caravan or motorhome onto one of the roomy hardstanding electric pitches instead – either way there'll be plenty of room for the kids to have a kickabout.
For food, there are two pubs within strolling distance and the clever people at Pickering also have a visiting fish and chip van once or twice a week, or you can pick up some fresh local produce at the nearby farmers' market.
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Grass 8m x 10m pitch without electric, located in the camping field or the main site. One unit per pitch, all unit sizes accepted.
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Hardstanding 6m x 9.5m pitch with 10-amp electric hook-up and room for a full awning - max. caravan/motorhome length 26ft (7.9m).


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SUU Digital Library
Wed. Dec. 21, 1898: Ther. 9-35 am. 46., Wea. few lights clouds, cold N. wind, James & I spent most of the day helping Johny shingle his house. We had a light shower last night and it cleared off this morning. +the wind changed and came from the south afternoon. Thursday 22: Ther. 11-50 am. 38'., Wea. clear helped Johny again to day we finished shingling his house; Dan and I partly moved the pummy stack from back of the barn to the shed south of the barn after noon.


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Impatience was one of my biggest enemies- and I still fight it. It's hard to be patient when you want so much to be healthy. I think you're doing remarkably well.
"There would be no grand absolution, only forgiveness meted out in these precious sips. It would well up from his heart in spoonfuls, and he would feed it to me. And it would be enough."
I just want my marriage back.
"True commitment begins when we reach the point of not knowing how we can possibly go on, and decide to do it
Every time I smell depression or frustration on my husband, I get anxious, too, because I know what sends him off into fantasy land.
Wow, we just went through this again. My FWH first went online when he was unemployed and depressed. That was five years ago. He was employed but still "unhappy" three years ago when he went online again.
Last Fall he was unemployed again, slightly depressed and I was on needles and pins expecting a relapse into his online escape, but it didn't happen. He did things very differently this time.
FWH said that he wasn't even tempted since it isn't an escape anymore. Online affairs create more drama than he really wants in his life.
It took the circumstances being similar, but the actions being different for me to finally "get" that he was done with his former online life/escape.
One thing that has helped a lot with him being online is ongoing discussion on the topic of what he will do, how he will respond if any of those women come fishing. He knows what "fishing" is now, and he and I are in agreement that he will be open about any contact he receives, he will not contact any of those OW himself, and he will be short and not so sweet to those who do contact.
For 23 years he was faithful, so I am fairly certain he knows what that entails. I also know his behavior when things get out of hand, and he is a terrible actor.
As Fallen says, tiny steps is still progress!
It was (is?) a huge struggle for me to get him to understand that even if nothing more happened, what DID happen was enough!!! I even have to question myself sometimes when I am feeling devastated by this and ask "was what he did really that bad?". I know the answer is yes, but I think the question itself underscores the weirdness of this type of infidelity.
Inchoate - Thank you so much for your post. It sounds like you truly 'get it'. We are in MC and my FWBF is starting to realize how hurtful his actions were. He now says his definition of infidelity was far too narrow and he understands now that "even what he did" qualifies. He still minimizes sometimes ("all I did was type things", "I ONLY cheated with my mind and fingers") and it makes me very sad when he does because I figure he just doesn't get it. Time will tell.
You were not, nor are you, crazy for feeling like this is infidelity. It is!
It really has a bizarre quality, since most online affairs happen in your home, with the betrayed close by.
I think it has a real insidious nature to it, because the BS often minimizes the whole thing because it is "only online."
But it hurts all the same!
It's certainly easier to carry out an EA that way. That kind of daily talking allowed me to believe that I had a special connection to the OP. In retrospect, it's so easy to see how a WS/OP can manipulate the chat to appear in the best possible light.
He often said "It was easy...they all talked to me..." and I would look at him and think "If only they knew what you looked like while wooing them in those IM boxes.." I also realize that there were a lot of women still in robes and sweats and hair uncombed utilizing the same method to feed their egos.
I did tell him one time that he took the lazy man's way of cheating. I might have had more respect for him at the time if he had dressed up, cleaned up and gone out and worked on wooing someone IRL. He would have had to put some effort into it.
Now he is working ... very hard...to woo me.
I guess that is what adds to the surreal aspect of the online thing...that "intimacy" that isn't really intimate, person to person, but screen to screen.
The anonimity adds a "safety" factor regarding what a person shares about him or herself. It did add this level of "saying it all" that face to face would not allow for my husband.
I guess for me, it was the fact that my husband has a learning disability that makes reading and writing difficult for him, and then he got so proficient just to screw around on me. Yep that pissed me off. But I've made it through that part of healing. It also helps that he reads what I write now, instead of glancing and putting aside.
[This message edited by decievedone at 1:03 PM, April 23rd (Monday)]
My WH had the Internet Affair as well and even if she was (is) 4000 miles away and I KNOW there was never anything physical between them that means little to me at this point. It was still an Affair. In some ways the IA is worse than the PA because in the IA they share all of their deepest thoughts and feelings with the OP. They have the freedom to say things to them they could or would never say to us.The things he would tell her he was doing to her were always so much more Romantic than anything he ever actually did with me.
This is the most painful thing for me. It didn't matter where she was or where we are. They had such an intimate connection. I think I would almost rather he had just screwed someone instead of falling in love and sharing so much of himself with someone else.
I don't know if I will ever get over the emotional bond they shared. It just kills me.
Better off I sparkle on my own ~ Anna Nalick
Keep in mind that even if it seemed romantic, intimate, etc. it was still fake, just like an in-person EA or PA.
It is SO SO SO easy to present yourself as this glamorous, understanding, articulate person online. You've got all the time in the world to come up with the perfect words, there is the appearance of no interruptions (even if hours or days pass between replies), and the other person doesn't know that you're sitting there in your stinky sweats with nose hair sticking out.
Online EAs progress so rapidly and get so extreme because there is absolutely NO intrusion of the real world, to an even greater degree than usual with affairs, which are by definition all about the fantasy.
Online "lovers" are the most two dimensional, manufactured creatures that ever could exist.
I told my BS that one reason I allowed this to happen and didn't recognize the seriousness of what I was doing until far too late was that it was almost like journaling to me, albeit with an audience. If I were desirable, interesting, funny, sexy, etc., this is what I would be like. And all it was, was two people engaged in the construction of their fantasy selves, who were so much more successful in their fantasy lives than they were in their real lives.
The most superficial "pass the salt" exchange between you and your spouse has pounds more reality and intimacy than any of this online bullshit, I assure you.
[This message edited by Inchoate at 9:54 AM, April 25th (Wednesday)]
Did you ever deny what you were doing was cheating? Just wondering because it has taken a very long time for my WH to admit that he took it way too far.
Even though he knew it hurt me, he considered his online actions all "harmless flirting" for a long time, until the last person, which turned into a heated, year-long EA.
It really does help bring that surreal aspect into some palatable form. It still doesn't "taste" very good, but at least I can look at what you have written and see the fascination and swallow some of the reasoning that goes on behind it.
I am glad the FWS's that have been there are able to be here!
wasfooled, I managed a kind of denial, but it wasn't really specific to the online-ness of it all. Nope, I was one of those who'd convinced myself that I was seeking a little comfort to be able to stay in my bad marriage long enough to wait for a better day . I honestly don't see *any* difference between an online EA and any other EA, other than that they can get a lot more sexual without as much increased risk of a PA than an in-person EA. And in that respect, it's even harder to pretend what you're doing isn't cheating. I recognize that when the EA seems asexual it's harder to recognize that it's still a giving away of marital resources, but when it's all about sexual fantasizing and scenario-writing? Puh-lease!
Any denial I'd managed was completely swept away by the look on my BS's face on D-day, though. :(
It doesn't doesn't matter whether it was betrayal by anyone else's standards, anyway. All that matters is that it was by hers.


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No Compassion
Posted by Aloeheim on 06/15/2007
PITTSBURGH, PENNSYLVANIA -- My Husband and I have a loan with this company.
We had an unforeseen emergency which caused our mortgage to become past due. We called First Franklin for help..They offered none. They constantly called us at home and at work very rude, no compassion. Recently we sent them a certified check for a mortgage payment and I was informed that they sent it back. They actually denied our payment. How can a company be so uncaring. I would like to know if anyone else has had a problem with this company, and what can we do about it? Every one of us through out life will experience some type of unforeseen emergency, it is only by the Grace of God that some of us have not reached that point of hardship. And because a person is going through a hard time, gives creditors no right to treat them as if they are worthless. First Franklin Customer Service agents need to have an encounter with Jesus. Then they will be able to show compassion.
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Posted by Pomona Guy on 2007-06-15:
If you want compassion go to a church. All First Franklin cares about is cold, hard cash.
Posted by Anonymous on 2007-06-15:
I've heard of these places not posting payments and such. Stay on top of this before they try to foreclose on you.
I gotta agree with, Pomona.
Posted by runaway on 2007-06-15:
These large businesses are not required to show compassion. They are required to follow the terms of the agreement and expect you to do the same, regardless of your personal situation. In the future, look for a hometown bank (if they still exist) or a credit union; they're usually a bit more understanding when hardship situations pop up.
Posted by yoke on 2007-08-19:
Was the payment for the agreeed amount? Why was it a certified check? Sounds like this loan was ready to go into default and they were told to send a certified check in a certain amount, which they did not.
Posted by Bruce Feher on 2007-10-04:
Just took out a loan with this AWFUL company. Our first payment was not due until 10/16/2007, they started calling the first of the month demanding payments. They were rude and nasty and STINK. They are part of Merrill Lynch Bank and Trust Co. and you can complain to the Federal Government at:
Posted by stickit2theman on 2007-10-14:
Unfortunately, in this day and age there is no compassion. I have a loan with First Franklin and so far I've been lucky... they've been pretty decent to me. If you feel you have been unjustly mistreated, contact the PA Consumer Protection Agency or State Government. My understanding is, collection companies can't continue to harass you if you pay at least 5% of the amount due. I don't know if that applies to Mortgage payments though. Goo Luck! Let us know how it goes.
Posted by rascal on 2008-01-01:
5% of the contracted amount will stop collection calls? Not in this life buddy....
Posted by DebtorBasher on 2008-01-01:
Collection agencies can't harass you (by law)even if you don't pay anything...They can't refuse any money sent, even if only 5%, but unless that is an agreement by BOTH parties...and not just the debtor telling them that's what they will pay, then the collector can still attempt to collect on the account. A simple payment is NOT going to stop the calls...the only thing that will stop calls is a Cease and Desist letter.
Posted by naha on 2008-03-10:
they foreclosed me... after they made fifty three thousand dollars...
Posted by scummy on 2008-06-09:
i am not at foreclosure risk, but First Franklin/Home Loan Services customer services is pathetic.
Posted by Shellbelle98273 on 2008-10-22:
Just trying to put a two year freeze on an adjustable rate. As many of you know a lot of us were tricked into an arm loan and circumstances change in a blink of an eye. We all have hardships sometime or another and I agree that you should always pay your Mortgage first but with the adjustable rate my mortgage will be $2366.00 a month that is outrageous. First Franklin is a company that is a corporation. Most companies are not obligated to have a hardship program.. right? Well First Franklin does have a hardship program and I have been having a horrible experience just trying to get someone to look at my application that I faxed on 9/11/08 and forward it to a resolution specialist. They absolutely do not have a customer service department. They are rude and take no ownership of their job or accountability, alls they do is insult you and say call back in a week. Is anyone else out there trying to get a freeze on there mortgage loan and deal with the resolution team? Please any thoughts are welcomed.
Posted by Shellbelle98273 on 2008-10-22:
Bruce Feher ... don't goverment websites end in .gov/? hmmm, I think that is wierd.
Posted by Ponie on 2008-10-22:
Shell, '...a lot of us were tricked into an arm loan...' What form of trickery was used? You read before you signed, didn't you? If not, I wouldn't consider that trickery--more like laziness on the part of the signer. I won't even sign for a UPS package unless I know what it is. The site supplied by Bruce *did* end in 'gov.'
Posted by Anonymous on 2008-10-22:
You just sent the bankers $780 BILLION in 'compassion'. When enough of the 'peons' have had their bellies full of this type extortion...the peasants will begin hanging bankers (by their neck ties) from the light posts in front of the bank! It can't start soon enough for me.
Posted by Anonymous on 2008-10-22:
Yes Mr. Ghost......Hang 'em High......
Posted by Shellbelle98273 on 2008-10-23:
Ponie, thanks for your input. You are right, I knew what I was signing with the thought that I would not get divorced and lose a major part of the household income. I was also told by the bank that we could refinance in two years, my husbands bankruptcy would be cleared and we could qualify for a better loan then. I guess what really bothers me is that they have a resolution team and I am getting anywhere, they say one thing and do nothing. Ghost J made a good point, what about the little guy? It makes my very sad to see so many people loosing their homes. There are so many vacant homes and so many homeless, dose not make any since.
Posted by Anonymous on 2008-10-23:
Shell, you have my sympathy. Just reading your post and comments leads me to believe you could not afford a mortgage, but were given one anyway. In 'olden days' banks wrote mortgages only if, even if there were income crises, the borrower would be likely to make the payments. Then came 'anyone can qualify'! This led us where we are today...record foreclosures and all of us bailing out bankers who let greed over-ride financial sense. Remember, being foreclosed on these days doesn't mean you're a bad person or a deadbeat. Best of luck!
Posted by Shellbelle98273 on 2008-10-23:
Thank you Ghost but it is not sympathy I'm looking for... more empathy. I will never finance anything again depending on another income or another person even if they are supposed to be your partner. You were right Ghost I could not afford the loan on my own... Never purchase anything unless you can afford it on your own. I guess you can't even depend on someone you made vowes with. I will take responsibility on my own. The American is not working.
Posted by Ponie on 2008-10-23:
'Then came 'anyone can qualify'!' This was NOT instituted by mortgage companies or banks. They resisted as long as they could. But some brilliant(?) minds in Congress decided 'you're going to do this--or else!' Now we have the 'or else.' The highly touted organization, ACORN, was among the leaders. Let's take their tax-exempt profits to pay for the bail out, not my taxes.
Posted by soccermomof3 on 2008-10-29:
From what I understand, this "bailout money" from the Federal Government is to be used to buy bad/defaulted mortgages from banks so that the banks dont fail because so many people are not paying their mortgages. I keep hearing people say that the Goverment is just "giving away" money to the banks/mortgage companies, which is not true. The government is just going to try to take on these "bad" loans. Then they may be able to do more to keep people in their homes (which will cost more money).
Posted by Anonymous on 2008-10-29:
Ponie is correct. Banks were pressured by the feds under the Community Reinvestment Act to ignore an applicant's creditworthiness. Some of the problem arose from greed by the bankers and a large part rests with the scoundrels infesting our own government. The problem is, there are not enough lamp posts from which to hang them all.
Posted by notdeadyet on 2009-03-20:
in regards to pomona guys comment: when you pay the idiots cold hard cash they still screw you over. I paid them $1124 on one of my loans with the account# clearly written on the western union paperwork. how ever the FF/home loan idiots placed the funds on my other loan paying it up until may09. and forclosure proceedings are foregoing on the loan which the payment was for now im forced to fight back
Posted by beachlvr on 2009-03-20:
When we're stupid about our money (and I have definitely been), we are put into a position where we can be taken advantage of. No one was ever "tricked" into an ARM. They saw how much more house it could buy them and they never looked beyond the first year! I was "approved" for 50,000 more than I spent but I was smart enough to know that I couldn't afford it. Most people bought at the highest amount they could qualify for and those are the ones losing their houses now. It's horrible and the banks were just as guilty for making the loans (and it's almost criminal that they aren't paying for it) but regardless, it's basically theft to keep something that you can't pay for, even if it's a house. It's a terrible position to be in and I do empathize. For me it wasn't a house but a student loan. I'm living very efficiently right now and just paying it off. All you can do is get out the best way you can and learn from it. If you want to be smarter about money so you aren't taken again in the future, check out www.daveramsey.com or look for a Financial Peace seminar in your area. It's awesome and life changing.
Posted by EKur on 2009-03-23:
Hello and God bless you all:
As you read this letter we hope that you still have a home for your family.
Like many of you our homes are in foreclosure due to the actions and non-actions of First Franklin (FF).
We know there are many persons out there trying to abuse the system and get a free ride, yet many of us, if not all of us, are in this situation not because we wanted to be in this situation, but because life went on. Some of us found ourselves in default as a result of loosing our income, having medical issues, the raise in the cost of living but not in our salaries, family emergencies or just live itself. Whatever your case, we did not asked to be in it.
Some of us purchase our home and gave up most of our life savings to get it, not because of greed or luxury, but because we needed a home to call our own; for our families and specially for our children.
Yet in our time of need the people that were supposed to help us and work with us not only turned their backs on us, but they did everything in their power to take away our home and turn many of our families into battle grounds full of tears, anxiety an uncertainty. "Yes, send us your paperwork we'll look at it" we were told. Do not worry, we were being "helped" and told to hold on while we complete our review.
And we believed. Only to have our hopes shattered in a court of law or with realtors offering cash for keys, or with people just knocking on our home doors with a notice that basically read "get out in x number of days". While this was going on, and just to add insult to injury, many of us were in dismay after learning that we did not qualified for a modification for one of the many reasons, we could not do a short sale just because, etc.
End of the dream, end of the hope, end of our homes.
Why? A question that have crossed the minds of many of us, who knows how many times and that was the first of worse questions to cross our minds and hearts as the reality of seeing our children cry because they have to move settled in. Then more questions flooded our minds. What do I do now that I'm on the street? Where do I live? A
Many of us have been put in a situation where we have nothing to lose as even our dignity was taken away with a phone call to FF. A phone call where we were asked the same questions only to be told we can not help you. Or the day we receive the court documents like we are some sort of criminals. Or the date we were made go into a court or that they put a sign in front of our houses. Or the day we received a call at work from a FF person demanding to know where the money was. Or maybe it was the day that we were offered the false hope of a so called "payment plan". All this while, as stated by an alleged FF ex employee, they were really making money our of taking our homes away from us while giving us no real chance of solving our situations and putting us in a no win situation.
Being that we have nothing to lose is why we are writing this message. You see, we have nothing to lose but much to gain. Divided most of us have encountered the same word: foreclosure. But what if we unite and give it a good shot. At least one good one. We are not saying yeah things will happen. We can not promise that each one of us will get a solution that will be of benefit. That is beyond us. What we are saying is: let make some noise and let our voices and stories be heard. It is time that people know what is really going on with the "so called" helping hand that FF is giving us people that are not asking for a free pass, but for chance to have a roof over our heads with dignity. To pay something that will be fair, but that will also allow us to put food on the table.
What we are doing, at least three of us, is this:
1. We will draft a letter to the White House (our President) and to CNN that will explain in general our situation. This letter will also ask for help in dealing with FF.
2. We will include our stories with that letter. Now here's where you have a choice. You can join this effort by emailing your story with FF. What is your situation? What happened when you contacted FF? What did they do or didn't do? How they treat you? Broken promises? How they proceeded with the foreclosure? How did it affect your family life?
3. People, we are writing to our President. You may agree or disagree with him. You may have voted or not voted for him. But the truth of the matter is that he is our President. THUS, PLEASE KEEP YOUR FREE OF ANY FOUL LANGUAGE AND WRITE PROPERLY. Remember; we want to present ourselves like what we are honest, hard working people with values and dignity. Let us not go down to the level of FF.
4. Please include your name and the ages of your family members. Also, please provide a contact information for you so that you can be kept posted on what is going on with this. This could be your email address, mailing address, or phone number.
5. DO NOT, repeat DO NOT INCLUDE YOUR LOAN NUMBER, SOCIAL SECURITY NUMBER OR ANY SENSITIVE INFORMATION. Again, we only need to contact you in case we receive a response so that you know what happened with our inquiry.
6. Remember we are not saying things will happen. We are just trying to do a coordinated effort to help our cause. The reasoning behind this is simple, many of us have contacted the government agencies only to run into dead ends. But many of us, I hope we are not ignored. United we stand, divided we fall.
7. Pray so that we can get what we need: Help, peace and the dignity of a home for our selves and our families.
8. Remember, we are not attorneys, rich people, politicians, or anything like that. We are regular people like you. So whatever happen, please don't come back at us with some stupid lawsuit if things don't go your way etc. If you do so, we can probably (and gladly) will give you have we have at this point. Debt.
If interested, you can email your story or any questions that you may have to the following email address: firstname.lastname@example.com
We will be submitting our letter along with our stories to both the President and CNN on Friday April10, 2009
Posted by Shellbelle98273 on 2009-07-13:
Hey so what ever happened with the CNN? in April, never heard anything about it. Just an update for all. Our home is being sold August 7 on the courthouse steps. Hoping that who ever buys my home will rent it to me (have no where to go). I'm thinking that it will be an investor who buys. All houses around here have dropped at least by 100,000 Tried one more time to work something out with FF no luck of course, I agree with what was said as far as the loss of your dignity and everything that goes with it. It is a very scary. I was hoping to see at least one positive story where someone could save their home.
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Predatory Lending Practices
Posted by Stressed and Depressed on 06/09/2009
I was victimized by my broker and First Franklin Bank two years ago. First, First Franklin and my broker got me into a loan that I could not afford by fabricating salary, dispute the fact that I provided full docs. Second, escalated my interest rate by 2.75%. Third, coerced me into borrowing more money than I originally requested, causing me to utilize the overage to compensate for the payment that I could not afford make.
I endured this struggle for two years. Now my ARM has adjusted, the property is upside down and, First Franklin refuses to provide me with an equitable solution.
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Posted by Anonymous on 2009-06-09:
I don't suppose you read any of the loan documentation before signing them to make sure that the numbers were correct and disputed anything that wasn't? Of course not.
Posted by Anonymous on 2009-06-09:
If you knew that they inflated your salary, doesn't that make you guilty of predatory borrowing practices?
Posted by saj80 on 2009-06-09:
Ken, the best answer I have heard in a long time. In short, most of these scenarios can be reduced to one word: greed (on both the lender and borrower).
Posted by Ponie on 2009-06-09:
You signed something containing fabricated data? Hmmmm. As saj80 said, it's greed by both parties. But had First Franklin denied your loan, you'd have been on forums complaining you were unable to achieve the elusive 'American dream.'
Posted by Anonymous on 2009-06-09:
Telling First Franklin Bank that you were fabricating the info on the loan doc's was probably not a good idea. If there was any chance for a loan modification I'm pretty sure you just threw it out the window.
Posted by BokiBean on 2009-06-09:
You not only allowed yourself to get in this situation, but you signed on the dotted line.
We would not have heard a complaint from you if everything was going along swimmingly...but now that its crashed you want to find others to blame.
I'm sorry for your misfortune but look in the mirror if you want to blame someone.
Posted by Nohandle on 2009-06-09:
Stressed and Depressed I'm stressed and depressed as well. I've seen my investments bottom out. I never bought anything I couldn't afford, neither did anyone ever hold a gun to my head insisting I could afford something that I knew I couldn't afford. What do you want First Franklin to do for you? You might decide what you can do for yourself.
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Beware Of First Franklin Loan Services!!!
Posted by Dmerrit on 09/09/2010
PITTSBURGH, PENNSYLVANIA -- My son got a mortgage loan with "First Franklin Loan Services", around 3 1/2 yrs. ago at a 11.95% interest rate. This company was "Very Willing" to give my son and wife, who were "First Time Home Buyers", a loan at this OUTRAGEOUS rate, promising (in words) that after 2 yrs., if there loan was always paid on time, they would refinance at the lowest rate. My son has a mortgage payment of $1400.00/month for a home that is currently worth $90,000. His payoff balance is $110,000, if that makes any sense. They have NEVER missed or have been late on any mortgage payment.
Due to the economy my son and wife have been through a lot of hardship. My son's student loans are in default. This is due to the high mortgage payment, he is making. He would need a lower mortgage payment in order to continue to pay his student loans, which he can't afford at this time.
"First Franklin Loan Services", claims that they can not give them a "loan modification" because, he is in default on his student loans. So, what is he supposed to do!? Quit making payment on his mortgage, so that he's able to make payments on his student loans!? They don't get it! He can not afford to make those payments! It's just a vicious cycle because if they would have a lower interest rate to make lower payments on his mortgage loan, he would also be able to pay his student loan. "First Franklin Loan Services" is "NOT WILLING" to do anything for them. So, what is he going to do? I guess quit making the mortgage payments and go on "FORECLOSURE". ...End up HOMELESS with his wife and 2 children! Isn't this what is happening to everyone because mortgage companies are tricking you into high interest rates and then they're not willing to do anything for you? It's absolutely crazy!
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Posted by Obsfucation on 2010-09-09:
When any loan is considered, it is the applicant's entire credit history which is considered, not a single loan. By defaulting on student loans, he has tanked his credit score, and that is going to prevent or impede a refinancing of another loan. It will probably also cause his credit card rates to max out.
The best thing he can do is to work with the student loan folks to see if they can work out a repayment plan that will allow them to stop showing him as being in default. Then your son and his wife need to consider what they can do without to get back on an even keel.
There lender here isn't doing anything different than any other lender would do in this circumstance.
Posted by Slimjim on 2010-09-09:
"My son has a mortgage payment of $1400.00/month for a home that is currently worth $90,000. His payoff balance is $110,000, if that makes any sense."
Well yes, he bought the house for more than $110,000 and the value dropped.
Many people now sadly are experiencing difficulties in this tight economic climate. Unfortunately, no institution is going to give a loan, which a refinance still is, to anyone who has defaulted accounts. In fact, that would be an example of some of the "reckless" loan granting our anointed president chastised the banks for last year.
Best for him to just focus on that mortgage and worry about the student loans another time.
Posted by Anonymous on 2010-09-09:
Ob, you have the best answer/advice here.
Posted by saj80 on 2010-09-09:
Perhaps your son and/or daughter-in-law needs to find a part-time job to supplement their income. In my younger years, when my wife and I struggled, I often found part-time work to help us get caught up. It is very easy to blame the lender, but your son needs to accept some responsibility for this.
Posted by RestaurantGuy on 2010-09-09:
I'm sorry but I do not see this as the Mortgage lenders fault. Your son took out a mortgage at a interest rate he cannot afford. When he stopped paying on the student loans he destroyed any hope of refinancing his mortgage. I would recommend work it out with the student loan people or he may find a garnish attached to his paycheck
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Hardship Rip Off
Posted by Cerra on 05/04/2010
My husband and I got our mortgage through First Franklin Home Loans in 2006. Everything was just fine until we had a medical emergency and finances went downhill from there. They call every 3 days and speak rudely and demand payment. One day around 4/22, they called. They said if we didn't have a payment in by 4/30, we would be in foreclosure on 5/1. We have 2 loans with them. I made phone arrangements for both payments to come out of our bank account on 4/30. I made sure and told them several times, that this day (4/30) and only this day can they take the payment. One loan would be paid in full and the other would be 1 month behind. They agreed, gave me a confirmation number and then hit out bank account on 4/23. We don't know it yet. On 4/30, no money comes out. I called to find out why and found out that First Franklin has no record of payment arrangements for the little loan and told me how dare I make payment arrangements on the big loan and then have no money in the bank. I was livid! They apologized and fixed the problem with the help of a supervisor who also apologized. The payments would be processed immediately. Two days later, the little loan shows up. Good. The big one does not. The next day the little loan shows up again and we are now broke and all the rest of our bills will bounce. We were to have $300 left if they had follow instructions. Now we have $38. We just got paid 4/30. How can their employees be so incompetent? So rude! So demanding and uncaring and most of all; So crooked. First Franklin is a crooked business and needs to shut down or straightened up.
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This is a Modification
Posted by Been Ripped on 02/04/2010
PITTSBURGH, PENNSYLVANIA -- Due to long period of no income bankruptcy was necessary. First Franklin chose to "help" us by modifying our two loans. We went through the whole months long process and came out with a loan payment they determined we could handle. Seven months later we received a letter from another loan servicer saying they were servicing our 2nd loan and we should begin sending our payments to them immediately.
It's been a year and we have yet to be able to speak with any responsible person. I'm not maybe the sharpest knife in the drawer but we've been had.
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Posted by saj80 on 2010-02-04:
How have you been had? It sounds like Franklin did a new loan and then sold it, and the new servicer notified you of where to send payments. This is common in the industry, so not sure of your complaint.
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Terrible Stay far away!
Posted by Hate ff loan! on 12/09/2009
This company is as hearless as they get! I have had a loan with them for 4+ years and never had a missed payment. My husband got laid off about 10 months ago, and we have been surviving off his unemployment of $361/wk. I have been begging them for months to help us, but they tell us unless we go delinquent on our credit cards we will not get approved! So we have to ruin our credit to approve for their loan?? So I have avoided their "loan modification" for quite some time. This last month, November, I was not able to make my first mortgage payment, and within 7 days they reported to my credit bureau. My score went from 725 to a 652, just like that. All those years of hard work to earn good credit, down the drain in the blink of an eye. And do you think they care? NOT A CHANCE! They listened to me cry and beg and barder to catch up both payments this month if they could please remove it for me. They told me it was my fault it was late, and to make my payments on time.
Merry Christmas to you First Franklin! Hope to hear about your failure on the news soon, it would be the best day I have had in a LONG time!
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Posted by saj80 on 2009-12-09:
Unless a late payment is reported in error, it can not be removed. What they are telling you is correct, you just don't want to believe them. 652 is still not a bad score; not great, but not bad. It will improve if future payments are made on time, and if you are struggling with your mortgage payment, it may be time to make some difficult decisions, such as selling the house. Good luck, and remember: you are not alone.
Posted by Anonymous on 2009-12-09:
It cannot be removed. It's sad but true. Their agreement with the credit reporting bureaus prevents them from not reporting a loan. They aren't picking on you. Every month, every lender generates a report in the exact same format, telling them your name, balance, and current status of the loan. If my memory serves, they report the payment status of the previous 18 months also, maybe two years. They are not saying that you are good, bad or indifferent, they just report the status of the loan. The credit bureau runs the data through their algorhythms, and that's where the score comes from. If the loan is late they have to report it, even if they'd like not to.
Posted by Slimjim on 2009-12-09:
I don't think there is a lending institution in the world that will not report a late, or more accurately, missed payment just by asking. Reporting is all automatic anyway.
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Posted by Al B on 02/17/2009
PITTSBURG, PENNSYLVANIA -- I have a mortgage with First Franklin. I fell behind due job back issues and other problems. I also sent a check in good faith it was returned. Now I received a package stating they would give an additional 3 months, fixes the return to an adjustable, also send in another $6,985 after I already paid $2,300 for three months. What kind of help is this.
First Franklin has no compassion whats so ever. It is all about the money not helping people.
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Posted by msnanny on 2009-02-17:
Sorry but they (like all lenders) are in the business of making money not helping people.
Posted by Disaster Worker on 2009-02-17:
It sounds like you are having a very rough patch right now, and while everyone can sympathize, msnanny is right. There are so many people behind in their mortgages, especially the ARM ones. If your house payment is more than 30% of your take-home pay, you simply can't afford the house. You might try to "short sale" it to get out from the payments and try renting until your financial situation is better. Best of luck to you and hope you can see the light at the end of the tunnel soon.
Posted by Anonymous on 2009-02-17:
DW and msnanny are right. Potential borrowers were sucked in by lenders with 'you deserve it' and 'we care'. Now, when the reality of a borrower's inability to afford the home sets in, the lenders back away, point fingers, and shout 'Deadbeat!'. The lenders made bad loans and knew it at the time. We should have never started 'bailing' them out.
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Beyond Frustrating
Posted by 1crisis_after_another on 01/22/2009
Ok, after reading what the last lady said about the unexpected situation and the rude phone calls; I had to write, even though her situation was in 2007
There are two different divisions of this company, the one that calls for your late payment: a group of crass individuals who don't even bother to read the notes on the account before calling and reading off their script of "Mister so and so I'm calling you regarding the past due amount of blah blah, we need payment now to prevent foreclosure".... Well, gee... read the notes and see I have been calling the Resolution department every week, and sometimes every day. This would be the other division. This group of people is very nice, very polite, I even venture to say "understanding". However... you can never reach anyone and once your account is assigned to one person, if that one person doesn't answer your calls you can NOT go to anyone else to get an update. You simply sit in the dark as time goes by not knowing if you fax was received, not knowing if your calls are being received, not knowing if you are approved, not approved, if you should just give up... and then you get stuck making another large payment to keep the house from going into foreclosure and start the process all over again only with better communication up until the 'okay, just this one last thing and we'll send out the paperwork' then you'll not hear from them until the next month.
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Making No Sense
Posted by Up in arms on 01/10/2009
JAMESTOWN, NEW YORK -- In 2007 my house went into foreclosure and a sale date was set. In June 2008, I found out that they stopped it, cause they didn't sell it. I was never informed of this, in the mean time the house sits empty, uninsured with back taxes owed. I called and got a collections person, this person told me that I did still own it and that I could do with it what I wanted and that they don't want it. This person told me they would let it sit there until the city sold it for back taxes, and I would still be responsible for the dept. I'm in the position financially to assume the original mortgage, and they won't do it. My credits shot hopes of a loan I can forget. There my only hope and won't do anything.
I'm willing to pay the debt, why would a company not want to work with a person who got back on their feet after falling in hard times. And why would they do such a rotten thing.
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Posted by Slimjim on 2009-01-10:
I think I'd get an attorney to sift through this for you instead of taking the word of some blow addict collector. It doesn't make sense frankly on many levels.
Posted by Anonymous on 2009-01-10:
If you had to vacate the property by a court order then the property belongs to First Franklin. Go to the link below and plug in the address. That will show you data on the current owner. If your name is still listed as current owner then get a lawyer. http://www.cityofjamestownassessment.com/main.asp
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Have No Heart
Posted by Donotplay on 12/20/2008
PITTSBURGH, PENNSYLVANIA -- I have two loans with First Franklin and I pay my loans by quick collect and I found out that my home will be foreclosure on the 6th of next month. First Franklin did not send me any mail to inform me of this matter. I found out that the store where I was doing the quick collect was using the same account number for both loans and all the money was going to the same account number no matter the amount was for the larger or smaller loan. This have going on for three month for the large loan. When I called them in August I was told that the small loan was paid up for a year. I ask how? Because I did not do it. See First Franklin saw that all this money was going into that small account and they saw that some of the amounts was the amount of the large loan. They should have call me and ask why I was paying so much money in the small loan and nothing into the large loan.
Now I can't get First Franklin to put the money into the right account and now they are going to foreclose on my home next month.
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Posted by jktshff1 on 2008-12-20:
You should probably contact an attorney. It seems as if you are in pretty deep.
The issue would be between you and quick collect (not sure what that is). Do you not get a statement? It is up to you to insure that the money is going to the right place.
Posted by spiderman2 on 2008-12-20:
I'm not sure what a quick collect is either...it sounds like a debt consolidate place maybe? Anyway, how is the bank supposed to know your intent. They probably figured you were paying off the smaller loand and your intent was to let your house go into forclosure. Lots of people do that. I think you are expecting a lot of the bank to keep better track of your loan than you did.
Posted by *Brenda* on 2008-12-20:
Quick Collect is a service provided by Western Union I think.
Posted by smarterthanyou on 2008-12-20:
quick collect is a way to make payments, knowing the status of your loan is on you buddy, pay attention next time?
Posted by Ponie on 2008-12-20:
I can't imagine someone ignoring a home loan since August to where it's in foreclosure for the 6th of next month! One of the first things I make sure is handled is my rent payment each month. I wonder if we're getting the whole story here?
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Florida basketball: Forward Alex Tyus withdraws his name from NBA Draft, will return to the Gators for senior seasonby Post Staff
The Florida basketball team will return five starters from last year's team, after all.
Rising senior Alex Tyus withdrew his name from the NBA Draft on Saturday and will return to the Gators for his final year of eligibility. He joins fellow returning starters Erving Walker, Kenny Boynton, Chandler Parsons and Vernon Macklin — a group that averaged 61.4 points and 25.2 rebounds last year in leading the Gators to their first NCAA Tournament bid in three seasons.
Aspirations will be even higher for 2010-11, especially with the return of Tyus, who averaged 11.8 points and 6.9 rebounds as a junior. Tyus, a 6-foot-9 power forward, had been working out at IMG Academies in Bradenton and conducted several private workouts for NBA teams, but did not get any assurance he would be drafted.
"When I began this process it was with the intent of gathering information to see what I needed to work on to one day compete at the next level, and I believe I have been successful in doing just that," Tyus said in a statement. "We made tremendous strides as a team a year ago that I look forward to continuing to build upon."
Tyus showed more excitement on his Twitter page.
"I will be returning to gator nation!! Let's get ready to make a run boys!!!" he wrote.
Tyus' return is a bit of surprise, given that his father, Thomas, told the Orlando Sentinel on Thursday, "I don't think he has anything to gain by returning to the University of Florida, basketball wise. I just feel he just has not developed his full potential…He can go back and get his degree any time."
Tyus also briefly left the Florida program in April 2009 and was supposed to transfer, but returned to the Gators 11 days later.
Tyus' return gives the Gators' a crowded front-court for next season. They did lose Dan Werner to graduation and combo guard Ray Shipman to transfer, but sophomore Erik Murphy will have a bigger role next season, Kenny Kadji will return from a back injury, and Billy Donovan signed three incoming forwards: McDonald's All-American Patric Young, four-star North Dakotan Cody Larson and three-star prospect Will Yeguette from France via Florida Air Academy.
Tags: Alex Tyus, Billy Donovan, Chandler Parsons, Cody Larson, Dan Werner, Erik Murphy, Erving Walker, Kenny Boynton, Kenny Kadji, Patric Young, Ray Shipman, Vernon Macklin, Will Yeguete


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FLEX UMC M.Div.
Contact: Admissions
email@example.com | 800.322.5817
United's Flexible Residency Hybrid Master of Divinity degree offers the same quality of education as our traditional M.Div. with the added flexibility of August FLEX Residency Weeks as well as hybrid and online course offerings. It is designed especially for students in regions not readily served by a local seminary community and offers a hybrid model of distance theological education that provides flexibility, while allowing the student to complete one-third of the degree in residence, as required for United Methodist ordination.
Complete a minimum of one-third of the degree in residency on United's campus through a combination of four mandatory two-week FLEX Residency Weeks and a Gathering Week residency each semester.
Complete all requirements in the 78-hour M.Div. curriculum
Complete Online Student Orientation (a 3- to 4-hour course)
Enroll in Hybrid Contextual Ministries as soon as you begin your M.Div. if you plan to complete your degree in three years. All theological students (except M.T.S.) must enroll in the Contextual Ministries program, which consists of:
A professionally facilitated ministry group (Formation and Integration courses) that meets weekly online and in the one-week intensives (Gathering Week)
A service learning ministry placement in a church or community site in your area (serve 10 hours per week)
Intercultural Trip
Admission process must be completed two weeks prior to FLEX week each fallThe degree program may also be completed over a longer period of time and may involve a variety of educational formats to fit your schedule. Schedules should be reviewed by your advisor.
Course Schedules
The course schedules below will allow you to complete the degree in three and-one-half years. Courses may be taken at any time or in any order (subject to prerequisites), but course offerings are subject to change.
To complete the required one third of the degree in residence, FLEX UMC students must attend mandatory FLEX Residency Weeks and Gathering Weeks, both held at United's Dayton, OH, campus.
FLEX Residency Weeks
Two-week intensive sessions held each August beginning on Monday and ending on the second Friday.
FLEX Residency Week Schedule
Gathering Weeks
One week intensive session held each fall and spring.
Gathering Week Schedule
FLEX Residency Weeks and Gathering Weeks Allow FLEX Students To:
Complete Intensive courses
Participate in classroom instruction for hybrid courses
Worship as a Community
Gain preaching experience
Serve the sacraments
Build relationships with other students, clergy and professors
Develop as pastoral leaders
Fees for Gathering Weeks and FLEX Residency Weeks, in Addition to Tuition
Housing: We have negotiated lower prices at some of the hotels in our area. Please explore the Visitor Accommodation section of the website to make your room arrangements for the week or contact Student Life.
For other housing questions, please contact email@example.com.
Meals and Incidentals:
Gathering Week = $145
FLEX Residency Weeks = $285
United at a Glance
Contact United
United Theological Seminary
4501 Denlinger Road
Dayton, Ohio 45426
p: 937.529.2201
f: 866.714.4028
Admissions: firstname.lastname@example.com 1.800.322.5817
Email the webmaster: firstname.lastname@example.com


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Trading Technology Trends for 2012
Portware founder and chairman Ary Khatchikian talks about the changes he sees coming this year in trading and technology.
SIFMA OPS 2013: Legislation, Regulation, ImplementationMay 6, 2013
The issues are big and many. But the rules are getting written and the securities industry is starting to implement many. Here's Tom Price, SIFMA's managing director of operations and technology, on the challenges firms are facing coming out of the 2013 operations conference.Watch this Video >>
How The Accelerated Pace Of Technology Will Affect Wall St.June 20, 2012
The speed at which new technology is emerging continues to accelerate, promising to radically change world economies and the financial services industry.Watch this Video >>
SIFMA's Tom Price: Industry Needs Central LEI OverseerJune 20, 2012
Tom Price, managing director and head of the Technology, Operations, and Business Continuity Planning Group at SIFMA, talks about the need for a central body to oversee Legal Entity Identifiers.Watch this Video >>
Nasdaq OMX's Latest Tech MovesJune 20, 2012
Paul McKeown, VP of Market Technology at Nasdaq OMX, talks about the exchange's newest products, its acquisition of BWise and its recent international deals.Watch this Video >>
The Importance Of Proper IT DisposalJune 19, 2012
IDC Research Director David Daoud on the security and compliance issues that arise during the disposal of Wall St. computer assets.Watch this Video >>
Whats New At The FICCMay 10, 2012
Murray Pozmanter, a managing director at DTCC, talks about the launch of CCP for MBS and other new initiatives at the Fixed Income Clearing Corporation.Watch this Video >>
Whats New At The FICCMay 10, 2012
Murray Pozmanter, a managing director at DTCC, talks about the launch of CCP for MBS and other new initiatives at the Fixed Income Clearing Corporation.Watch this Video >>
The Benefits Of LEIsMay 10, 2012
Thomas Price, SIFMAs managing director of operations, technology and business continuity planning, talks about where we are in process of implementing Legal Entity Identifiers (LEIs) and the benefits that will be realized once they are in place.Watch this Video >>
How E-Delivery Changes The Customer ExperienceMay 10, 2012
Rob Krugman, Broadridge Financial Solutions vice president of digital strategy, shares his insights on how e-delivery and the services that come with it will transform customer engagements.Watch this Video >>
Are Financial Services Firms Ready For FATCA?May 9, 2012
Mike Wade, Director, Deloitte & Touches Capital Markets Technology Services, talks about the readiness of financial services firms as we approach Jan. 1, 2013, the date the Foreign Account Tax Compliance Act (FATCA) becomes effective.Watch this Video >>
LEIs In The Real WorldMay 9, 2012
Denis Mayer, competency lead at Knowledgent, talks about where organizations are in the implementation of Legal Entity Identifiers (LEIs) and discusses the best practices being established by industry leaders.Watch this Video >>
Meeting The Challenges of LEIsMay 9, 2012
Deborah Culhane, the chief operating officer of Fidelity ActionsXchange, talks about some of the obstacles organization may face in implementing Legal Entity Identifiers (LEIs)and how to overcome them.Watch this Video >>
Bodson: Use 2013 as Springboard to Settling Deals FasterMay 8, 2012
An exclusive interview with Michael C. Bodson, the chief operating officer of the Depository Trust & Clearing Corp., on a study starting the week of May 7 that will look at whether to move the securities industry to two- or one-day settlement, from three.Watch this Video >>
SIFMA OPS 2012: What's the Best Way to Settle Stock Trades?May 8, 2012
Michael C. Bodson, the chief operating officer of the Depository Trust & Clearing Corp., weighs in on what regulatory measures should be in place and how long it should take to settle stock trades.Watch this Video >>


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A visit to Green Park Shipbuilding Museum and Yeo House will provide a more in-depth look at PEI's shipbuilding history. A tour through immaculately restored Yeo House reveals a wonderful vision of the lifestyle of these "shipbarons" of the 1800s. And the Bideford Parsonage Museum recounts the time L.M. Montgomery spent there during 1894-95 and the role of the parsonage in the community, as well as the era of shipbuilding.
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Nimble and sporty best describe the Monterey M3. The smaller model in the M Series lineup, the M3 is still ahead of the curve. A standard wetbar is sized just right for preparing a drink, or a quick snack. The M3 is equipped with a stainless steel telescopic boarding ladder for easy access in an out of the water. A concealed head compartment is located behind the port-side dash. The optional bow filler cushions turn the seating into a spacious sun island for taking in the rays.
Have a question about the 2012 Monterey M Series M3?


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While a softball game can be controlled by one strong pitcher, the Lady Yellow Jackets have the possibility of throwing more than one solid hurler at an opponent any night.
Deep pitching has helped Oxford win 21 games and the Class 6A, Area 13 regular-season championship. It marks the Yellow Jackets' third straight area title. They'll host the Area 13 tournament, beginning Thursday.
"One person can't do it all," Oxford coach Wendy McKibbin said. "If we have one that's a little off then there's another one that can help. We have two that have really stepped up."
Senior Sydney Williams and eighth-grader Jordyn Skinner have been the top two starters for the Lady Yellow Jackets, while senior Corey Elrod has come in for relief. However, McKibbin prefers Elrod playing third because she's so strong defensively.
"Even though we have some younger pitchers, we back them up on defense and have good trust in them," junior Lexie Higgins said.
But pitching is only one way the team has come together this year. The rest of the success can be attributed to playing all-around and, again, teamwork.
"This is our second year together for most of us after we lost a bunch of seniors two years ago," Higgins said. "This is our new upcoming team, and we've learned to play together. Basically, we went out into the field knowing we needed to do something to win. We knew we had to be a team."
And after Oxford (21-15, 5-1 in Area 13) underestimated Clay-Chalkville in area play and was defeated on the road in early March, it opened some eyes.
"Our biggest competition is going to be Clay-Chalkville because they hit the ball so well," McKibbin said. "When we went up there we were done 8-2 and came back and went extra innings and got beat 11-10. It's a hitters' game, so we just have to be on that day."
But since the loss March 4, Oxford lost its "big heads," according to Higgins. And along the way, the Yellow Jackets also built their confidence.
"I feel very confident in us because it seems as the year goes on we're playing better," senior Stewart Gail Chase said. "I'm confident in area."
But Oxford doesn't play fourth-seed Gadsden City until 3:30 p.m. Thursday, with a possibly match-up with second-seed Clay-Chalkville at the same time the next day, so it's sights on are games prior to the tournament first.
"We're going on game at a time. Area isn't even our mindset right now," Higgins said. "Our purpose is to just have our practice and keep the true mindset to get ready for area."
The Lady Yellow Jackets will face Class 5A third-ranked Southside-Gadsden at 5 p.m. today after falling in extra innings the night before when the two teams played each other. The game is part of the Spring Slam, which will continue throughout the weekend at Woodland Park.
"We're getting back in our groove after having graduation exams and having rainouts like everyone else has had," McKibbin said. "We're hitting sporadically right now so we've got to get everyone hitting one through nine. But pitching and defense is good so we're ready for the next two weeks."
But after Spring Slam, time is all that separates Oxford and the area tournament.
"We've surprised a lot of people and won some big games," McKibbin said. "We have not been out of any games we've played. We also have a lot of youth so the future looks good."
Sports Writer Brandon Miller: 256-235-3575. On Twitter @bmiller_star.


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Jacksonville linebacker Kenneth Bynum — a longtime Cincinnati commitment — has decided to postpone signing a Letter of Intent for up to a week after receiving a last-minute scholarship offer from Tennessee. He announced via Twitter last night: "More than likely not signing tomorrow!!!"
WTEV/WAWS-TV in Jacksonville reports that the 3-star prospect will make a visit to Knoxville this weekend before deciding whose scholarship offer to sign.


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Roland Garros 2013Schedule for Day 11: Wednesday, 5 June 2013
Court 3 11:00 AM Start Time (CEST)1. Women's Legends - SemifinalsElena Dementieva (RUS) v. Mary Joe Fernandez (USA)Martina Navratilova (USA) Arantxa Sanchez (ESP)
Here is where the Moscow confabulation comes from: Elena & Nastia playing with Hingis in Moscow, apparently on June 16. From championat.ru:
MAMA still there:)
Елена!!! ...and spasiba, spasiba, mum Vera Semenova, for all you have done & still do.
So good to post again:
Roland Garros 2013 - The French Open Thursday (06 June) CEST SEMIFINALS18:00 Dementieva / Navratilova - Majoli / Martinez (Legends on Court Suzanne Lenglen) ДАВАЙ Елена!!!
Russian Eurosport SopCast protocols: (SopTV.ru) sop://broker.sopcast.com:3912/143531 & sop://broker.sopcast.com:3912/144947 Eurosport2 at sop://broker.sopcast.com:3912/140137, and possibly sop://broker.sopcast.com:3912/143886.
Linx posted at Streamhunter.eu on Wed:
Still as elgant: Martina looks great too
(Thx Maquita:)
Lenochka at the WTA ceremony
Problaby during "THE LEGENDS"...looks splendid !!!
Lenochka left pro tennis too early, she was an excellent fighter.
She did leave too soon--at least by a couple of years.
BUT, she tells you all about those invites. ;) She practices regularly & continues to play the Moscow Legends. lol It's still in her blood. Could be the lady doth protest too much.
I mean she could have won at least two Grand Slams before leaving pro tennis
She left tennis for a family life but she has no baby... strange..
She should be a tennis coach..
Roland Garros 2013 - The French Open
Saturday (08 June) CEST Legends FINAL12:30 Davenport / Hingis - Dementieva / Navratilova (Legends on Court Suzanne Lenglen) ДАВАЙ Елена!!!


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iBook G4 14" 1.42 GHz Hard Drive Replacement
Featured Guide
This guide has been found to be exceptionally cool by the iFixit staff.
- Author: Walter Galan
- Difficulty: Difficult
You can install hard drives up to 9.5mm thick.
Embed this guide
With the HTML code below, you can embed this guide as a small widget on your website.
- Battery 1 step
- Keyboard 4 steps
- Lower Case 12 steps
- Bottom Shield 2 steps
- DC-In Board 4 steps
- Upper Case 4 steps
- Top Shield 2 steps
- Hard Drive 2 steps
- Hard Drive 3 steps
Edit Step 2 — Keyboard ¶
Pull the keyboard release tabs (shown in yellow) toward you and lift up on the keyboard until it pops free.
If the keyboard does not come free, use a small flathead screwdriver to turn the keyboard locking screw (shown in orange) 180 degrees in either direction and try again.
Flip the keyboard over, away from the screen, and rest it face-down on the trackpad area.
Edit Step 24 — Upper Case ¶
Remove the following 11 screws from the bottom of the computer:
Three 3 mm Phillips around the battery compartment.
Three 4.5 mm Phillips along the optical drive bezel. (a magnetic screwdriver may help to lift these screws out)
One 12 mm Phillips in the lower right corner.
Four 14.5 mm Phillips.
Edit Step 25 ¶
We recommend placing the computer on a soft cloth from this point on to prevent damaging the logic board.
Turn over the computer and open it.
Remove the 3 Phillips screws from the edges of the keyboard area.
The shorter screw goes in the lower left corner. The left corner is indicated by a blue "L" in the photograph and is on the right side.
Edit Step 26 ¶
Be especially careful while disconnecting the cables in the forthcoming steps. Never pull directly on the cables, but use a spudger to pry up the connector directly from its socket.
Lift the upper case and use a spudger or your finger to disconnect the trackpad connector hidden beneath the white plastic tab.
Be careful while lifting the upper case, as its tabs are still hanging on the metal frame.
Edit Step 27 ¶
The sockets attached to the motherboards of most iBooks are very weak and easily broken. Use extreme caution when pulling connectors out of their sockets.
Lift the upper case enough to disconnect the blue and white power cable from the logic board. Using your fingernails, carefully pry the connector from its socket.
Carefully disconnect the multicolored speaker cable from the logic board in the same fashion.
Edit Step 34 ¶
Disconnect the hard drive connector from the hard drive.
This is a bit tricky. Try rocking the connector gently from side to side while applying even pressure. If you bend the pins, do your best to straighten them, using the hard drive cable as a guide.
If you are installing a new hard drive, we have an OS X install guide to get you up and running.
Comments Comments are onturn off
This part scared me, never in an iFixIt guide have I seen a warning like "trying times are ahead".
I used a plastic iPod opening tool and ran it around the seam in the same order pictured. I had the plastic off in less than a minute with almost no fuss.
PohTayToez, · Reply
Quote from Paulix:
I found it easier and "safer" to use a spudge at the back as well (two on each side of the hinge)
I did too. Thanks, Paulix.
You might not need to remove the entire DC-In board and cable. This is removed because the DC-In jack blocks the upper case from being lifted off. I just removed the screw and pushed the board slightly in when removing the upper case to provide clearance. You may want to tape the board loosely in place when the screw is out to prevent it from falling out.
georgie333, · Reply
Quote from beefybov:
You need to undo the adhesive halfway down the cable, so you can lift the DC board to angle it out correctly. beefybov
Good call, beefybov.
A soft cloth like the one you use to clean your screen with. Not a towel because of the static that might be built up in heavier fabrics.
2myownbeat, · Reply
The picture has the lower *right* screw marked as "L" -- but that's a mistake; the short screw is, as described, on the lower LEFT side.
Peter King, · Reply
On my computer, the screw in lower right marked "L" (long?) in the picture is M3x6mm and the other two are M3x3mm.
The little tabs on the shield that are intended to contact the metal on the ports and the optical drive had been flattened out on my iBook and were no longer in contact. I didn't notice this until I had installed the shield. Make sure the tabs are bent down a bit as to contact the ports and optical drive. This system looks like it replaced the foil tape on earlier models. Just my own observation.
Thank you for this helpfull guide.
It took me exactly 70 min. to swap the harddisk, this including a cup of coffee and a smoke between disassembly/ass
Thumbs up!